Payday Loans in Ewing, Illinois

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No payday loan companies in Ewing, IL. Consider companies in other cities:

Company nameAddressZip codePhone number
AmeriCash Loans 2107 Sheridan Rd C, Zion, IL 60099 +1 (847) 872 - 9777
Fast Payday Loans Oak Lawn 4845 97th Pl, Oak Lawn, IL 60453
Ste Marie State Bank 103 Main St, Sainte Marie, IL 62459 +1 (618) 455 - 3355
Checks For Cash 1803 S West Ave, Freeport, IL 61032 +1 (815) 232 - 0966
Sun Loan Company 1611 Veterans Ave f, Vandalia, IL 62471 +1 (618) 283 - 9614
AmeriCashLoans.Net 2400 E Devon Ave Suite 300, Des Plaines, IL 60018 +1 (888) 907 - 4227
Ottawa Hiway Cu 700 E Norris Dr, Ottawa, IL 61350 +1 (815) 434 - 8475
First Federal Savings Bank 475 3rd St, Lasalle, IL 61301 +1 (815) 224 - 4400
Marine Bank & Trust 507 Main St, Augusta, IL 62311 +1 (217) 392 - 2151
Mariner Finance 917 W Spresser St, Taylorville, IL 62568 +1 (217) 824 - 7201

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ewing, IL, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Oswego, IL, Quick Loan in Palatine, IL, Payday Loans in Park Ridge, IL, Payday Loans in Pekin, IL, Guaranteed Loans in Peoria, IL, Payday Loans in Plainfield, IL, Payday Loan Without a Credit Check in Quincy, IL and Guaranteed Loans in Rock Island, IL. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Ewing, IL.

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Payday Loans Available in Ewing, IL By The Following ZIP Codes:

62836

Are Payday Loans Legal In Ewing, Illinois?

Loan Rates and Fees, Laws and Regulations in Illinois.

Illinois Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)404
Maximum Loan Amount$1,000 (or 25% of the gross monthly income)
Minimum Loan Term13 days
Maximum Loan Term120 days
Number of Rollovers Allowed0
Finance Charges15.5% per $100

Ewing, IL payday loan calculator

Advise to read before applying

The Ins and Outs of Payday Loans in Ewing, Illinois

Payday loans are a type of short-term loan for borrowers who need quick cash. In Ewing, Illinois, payday loans are legal, but there are specific regulations and laws that borrowers should be aware of before taking out a payday loan.

What are Payday Loans?

Payday loans are small-dollar loans that borrowers typically repay on their next payday. They are usually for amounts between $100 and $1,000, with a repayment term of two weeks to a month.

Payday loans are designed for people who need cash quickly to cover unexpected expenses, such as car repairs or medical bills. Unlike traditional bank loans, payday lenders typically do not require a credit check or collateral to secure the loan.

How Do Payday Loans Work in Ewing, Illinois?

In Ewing, Illinois, payday loans are legal, but there are restrictions on the amount that borrowers can borrow and the length of the loan term.

  • Borrowers are limited to borrowing a maximum of $1,000 or 25% of their gross monthly income, whichever is less.
  • The maximum loan term is 120 days.
  • Lenders cannot charge more than $15.50 per $100 borrowed.

Before taking out a payday loan in Ewing, Illinois, borrowers should understand the fees and interest rates associated with the loan. They should also make sure they can afford to repay the loan on the due date to avoid additional fees and penalties.

The Pros and Cons of Payday Loans in Ewing, Illinois

Like any type of loan, payday loans have both advantages and disadvantages. Here are some of the pros and cons of payday loans in Ewing, Illinois:

Pros:

  • Quick access to cash: Payday loans are designed for people who need cash quickly to cover unexpected expenses.
  • No credit check: Payday lenders usually do not require a credit check to approve the loan.
  • No collateral: Payday loans do not require collateral like a car or home, so borrowers do not risk losing their assets if they default on the loan.

Cons:

  • High-interest rates: Payday loans can have very high-interest rates, making them an expensive borrowing option.
  • Short repayment terms: Payday loans typically need to be repaid within two weeks to a month, which can be difficult for some borrowers.
  • Potential for debt cycle: If borrowers cannot afford to repay the loan on the due date, they may have to roll over the loan, which incurs additional fees and can lead to a cycle of debt.

Interesting Facts and Statistics About Payday Loans in Ewing, Illinois

  • In 2019, Illinois borrowers took out over 2 million payday loans, totaling over $1.1 billion in loan volume.
  • 88% of payday loan borrowers in Illinois are repeat borrowers, meaning they take out more than one loan per year.
  • The average payday loan in Illinois is $365, with an average APR of 297%.

Apply Now for a Payday Loan in Ewing, Illinois

If you need quick cash to cover unexpected expenses, a payday loan might be a good option for you. TheGuaranteedLoans can connect you with potential lenders in Ewing, Illinois who offer payday loans. Fill out our online application today to get started.

It’s important to note that TheGuaranteedLoans operates as a connector service, not a direct lender. We work with a network of lenders to help you find the best loan option for your needs.

Remember to always read and understand the loan terms and fees before accepting a payday loan, and only borrow what you can afford to repay.

F.A.Q.

How do I qualify for a payday loan in Ewing, Illinois?

To qualify for a payday loan in Ewing, Illinois, borrowers must be at least 18 years old, have a valid ID, and have a steady source of income.

How much can I borrow with a payday loan in Ewing, Illinois?

in Ewing, Illinois, payday loans are typically limited to $1,000 or 25% of the borrower's gross monthly income, whichever is less.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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